In the “What isn’t available on the internet?” column, I am pleased to report that Payday Loans are now available online. That’s right, no need to wait until next Friday to start spending that hard-earned cash, you can get an advance on your check, Now. No kidding.

And these aren’t regular payday loans; according to the ad, you can even get a Faxless Payday Loan. I had to go to the website and check it out.

Apparently, there is no credit check and no co-signer, but you do need a steady job and a bank account. The company provides an online form and they say that the customer can get approved in as little as one hour. Two things I didn’t find: How long it takes to get the cash, after approval, and the interest rate on the loan. The site says that interest varies by state.

You don’t need a loan yourself, you say? Here’s an idea: The next time your mooching buddies come over to hit you up for a loan, just give them the URL to Pay Day Loans!